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Our Mortgage Broker Guide to getting a mortgage in Middlesbrough

The mortgage application process has 4 stages regardless of which mortgage lender you use:

    1
    Approval/Decision in Principal (AIP/DIP)
    2
    Mortgage in Principal (MIP)
    3
    Mortgage Valuation
    4
    Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Middlesbrough Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

What about County Court Judgements, Bankruptcy Orders and Defaults?

They are bad, but not the end of the world. They will stay on your file for 6 years and will play a factor in the decision to offer you a mortgage. Some mortgage lenders may take into consideration other factors such as several years of good credit scoring, continuous employment, savings and references. Speak to a SAM Conveyancing Mortgage Broker for the best advice on this.

Repayment Mortgage

These are now the only type of mortgage open residential home buyers. As they sound, you repay the mortgage by paying back some of the interest each month as well as some of the capital you've been loaned. The mortgage is fully repaid once you've successfully made all the monthly payments for the whole term (traditionally 25 years).

Repayment mortgages are distinct from interest-only mortgages, where you simply pay back the interest on the mortgage loan each month and at the end of the mortgage period, you repay the capital with money you've saved elsewhere. Monthly repayments are therefore cheaper than for repayment mortgages, however there's no set vehicle for saving up the capital to be repaid.


Middlesbrough, a large town, is on the south bank of the River Tees in North Yorkshire in North England. It has a strong historical association with the later period of the Industrial Revolution. Landmarks include Acklam Hall, the town's oldest domestic building (built 1678), the Transporter Bridge, the Tees Newport Bridge (a vertical lift bridge) and Middlesbrough town hall.

TS5 7JJ

Property Price Stats for Middlesbrough


Average property price in Middlesbrough £137,567
% Change compared to last year 0%
Population of Middlesbrough 144,150 (2015)


The property price data is sourced from the Land Registry's UK House Price Index and you can view up to date property prices by clicking - Land Registry House Price Index >> Land-Registry

Mortgage Broker Middlesbrough - Recently Completed

  • Haxby Close, Middlesbrough TS5 7JJ
  • 63 Jocelyn Way, Middlesbrough TS5 8FA
  • 112 Ayresome St, Middlesbrough TS1 4PE
  • 219 Bishopton Rd, Middlesbrough TS4 2RL
  • 14 Chipchase Rd, Middlesbrough TS5 6DD

Local High Street Banks in Middlesbrough

Mortgage Broker in and around Middlesbrough

Our Middlesbrough mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Yarm, Thornaby, Coulby Newham, Stockton-on-Tees, Guisborough, Redcar and Billingham.

Which banks are local to you?


  • Lloyds - 83/85 Linthorpe Rd, Middlesbrough TS1 5BU
  • Barclays - Unit 1 Centre Mall, The Mall, Middlesbrough TS1 2NR
  • Virgin Money - 45 Linthorpe Rd, Middlesbrough TS1 5BS

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Information about Mortgages


Watch our video to find out how to organise your mortgage and funding for your purchase.

Find a Home Mortgage

Whole Market Access

Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

Best Mortgage Advisors

FREE mortgage consultations for Middlesbrough

Mortgage Brokers Middlesbrough offering free first consultation (terms apply).

Access Mortgage Providers Quickly

Fast mortgage appointments

With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages

Independent Mortgage Broker

Impartial Mortgage Advice

You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

Book a Free Mortgage Broker Consultation

Middlesbrough Mortgage Broker Insider Tips

Selling? Deal with any issues which are likely to appear on a survey before you market your property

A cautious buyer is more likely to book a RICS home buyers survey which is likely to show up any potential or actual defects your property may have.

If there are any, these may give a prospective buyer grounds either to bargain with you for a reduction in selling price or even to pull out of buying. At the very least you may end up wasting time as a result.

You should therefore call in a professional to remedy any structural issues you may have such as damp – the cause might often be damaged roofs or window frames or leaking pipes.

Click to book your building defect specialist 
Conveyancing Process
FREE Online Conveyancing Process for Buyers

Includes online checklists, videos, downloads and tips - plus it is completely free to use from start to finish and saves your progress along the way.